text:
And also I did that it shows the process of kidney filtration instead of blood filtration
March 18, 2015
Well I have web search a billion times but still thank you for helping
March 18, 2015
So what do I do
March 18, 2015
Explain the process of filtering blood
March 18, 2015
3.455 round off to the nearest tenths
March 8, 2015
And do I have to find the lateral surface area of the cylinder on number 2 or the total surface area
March 4, 2015
I still don't get #3
March 4, 2015
All of them. These were the only 3 question that I did not get on my homework packet.
March 4, 2015
1. Mailey mother brought her a pet hamster. She is keeping Montey, the hamster, in a box with a length of 8.3 in.,a width of 6in.,and a height of 5,25in. Mailey plans on covering Montey's box with contact paper. How many square inches of contact paper is needed to ...
March 4, 2015
I apologize of bothering you I got the answer and I apologize again
March 2, 2015
What's that suppose to mean??
March 2, 2015
You have to write whether it is bill of attainder or habeas corpus that would prevent the situation form happening
March 2, 2015
I don't get it
March 2, 2015
1. Read each situation. Write whether a bill of attainder, an ex post facto law, or a writ of habeas corpus woul prevent the situation from happening. A. ______________ shortly after video cameras were invented, a man evident aped a rock concrete. Years later this was declared...
March 2, 2015
A roll of paper towels is 10 inches high and 2.5 inches in diameter. How many full squares inches of paper towel can fit on the roll in 15 rotation? * all I need is a formula of this question. Do I use lateral surface area formula or total surface area formula
February 20, 2015
Q1. Why is the shape of the nerves important in the nervous system? Q2. Which structure is more complex, a tissue or an organ? How do you know?
February 17, 2015
So is it a that is my guess by looking at the website you sended me Ms. Sue
February 17, 2015
Which statement is true of an organ system? A. It supports all part of the organism. B. it is not necessary for the survival of the organism. C. One organ system can take over for another organ system. D. It has no connection with other organ system in the same organism.
February 17, 2015
Deposit is $15 and coat of hour is $4.20 so write an equation to represent the total cost y renting a tube for any number of hours x.
February 12, 2015
I did but I still don't get it. Should I multiply the number in the parenthesis by the scale factor
February 7, 2015
1.Quadrilateral GHJK has vertices at the following coordinates: G(-2,-6), H(-8,-8), J(-6,-2), and K(0,0), what would be the new vertices if the quadrilateral was dilated by the scale factor of 1.5? G':_________ H':_________ J':_________ K':_________ Could ...
February 7, 2015
In "In Just-," the poet uses the words "and bettyandisabel come dancing / from hop-scotch and jump-rope and / it's / spring" to create a mood of (Points : 5) boring routine. happy activity. peaceful days. hopeless dejection.
January 26, 2015
Okay thankyou
January 24, 2015
As my lenght
January 24, 2015
Should I put 28
January 24, 2015
Is it about 27 or 28.
January 24, 2015
George is making a permanent for his favorite baseball team. He wants the short edge to be 14 inches and the height in the middle of the right triangle to be 24 inches. What is the length of diagonal side AB?
January 24, 2015
January 24, 2015
I mean idon't get question #1
January 24, 2015
And what about question2
January 24, 2015
Q1.A tree was chopped by the Samuels family for the holidays. How tall was the tree originally if the piece they chopped down was 7feet tall, and fell 4 feet from the stump? Q2. Mr pratt's rake is leaning up against a wall. If the top of the rake hits the wall 5 feet above...
January 24, 2015
Thank you
January 24, 2015
Cannon wants to make a garden with a border of his yard. He has lumber in several different lengths. Which three lengths could be used to make a right triangle to fit into the corner of his yard? A. 4ft.,6ft.,10ft. B.7ft.,12ft.,15ft. C.5ft.,12ft.,13. D.10ft.,15ft.,20.
January 24, 2015
January 24, 2015
how could you change one of the squares so that a right angle would be created
January 24, 2015
Social studies
I do not get the background and the problem they faced
January 21, 2015
Social studies
I need Sam Houston and Mirabeau Lamar -background -problems each of them faced -Native American -military spending -annexation I want them to be separate like contrast
January 21, 2015
In the experiment water clock : what changes (independent variable) , how does it responds to the changes made(dependent variable), and what is being controlled (controlled variable). Pleas I really need this by today. And also my question for science fair is what part does ...
January 19, 2015
Thanks alot
January 18, 2015
What part does gravity play in the function of the water clock? Explain.
January 18, 2015
I do get the but could maybe explain me the question In easy version (if so)
January 14, 2015
Than you soooooooooooo much. You are a life saver. Thank you.
January 14, 2015
What part does gravity play in the function of the water clock? .I kind of don't understand this question. All I need is a better understanding
January 14, 2015
3.) Adverb- differently, today 9.) Adverb- Sometimes. Verb- continued
January 14, 2015
I have to find the adverb in each sentence. Then I have to identify the verb it modifies. 1.)Native Americans originally developed lacrosse. Adverb- originally. Verb-developed. 2.)It was first played by the Iroquois. Adverb- first. Verb- played. 3.)It was played differently ...
January 14, 2015
What part does gravity play in the function of the water clock? .I kind of don't understand this question. All I need is a better understanding
January 13, 2015
Ceramics (help!!!)
When creating clay forms what must be done with inside?? When applying glaze to a ceramics piece, it is important to wax the foot, or the bottom of the piece. What might happen if it isn't waxed??
December 15, 2014
How to tell by an example which is a robot and which is a nobot? My example is: security lights that turns on whenever someone walks by= nobots I need to know how do you know by an example which is which
December 13, 2014
Nvm, I think its 40.. I multiplied 2 10 and 2 and got 40 I dont think I have to round again so.
December 6, 2014
** multiply sorry..
December 6, 2014
Thank you so much. Do I have to add them up now? then round my answer? The answer choices are 60 54 40 36
December 6, 2014
Estimate the value of this expression by rounding each number to the nearest unit. (1.63)(9.95)(2.46) Plesse help..
December 6, 2014
Survey of Mathematics
Suppose a car rental agency gives the following choices: Option A: $30 per day plus 40 cents per mile Option B: flat $50 per day (unlimited miles) At what mileage are both rates the same if you rent the car for 3 days?
December 4, 2014
Happiness, sadness, and fear are examples of blank emotions. A. Learned B. Primary C. Secondary D. Innate Is the answer A?
September 9, 2014
An oven is a technological system. Which of the following describes an input into this system? A. Setting the temperature B. Burning gas releases heat. C. A thermostat monitors the temperature and increases the gas flow when the temperature falls too low. D. A cake is baked Is...
September 9, 2014
social studies
How did the Protestant Reformation in Europe influence the settlement of North America? A. European settlers of different religions choose to establish new colonies in order to spread their faith and practice their beliefs. B. religious thinker John Calvin was a prominent ...
September 8, 2014
Ed. Tech
After creating a column heading and/or typing text within a column, what must you do to move text to the next column? A. Add a column break B. Select the next column and start typing C. Highlight the next column D. Change the page orientation Is the answer A?
September 7, 2014
I answered this already. Should you multiply the answer in letter b to 2? QUESTION: Phil Younghusband is a sensational striker of the Philippines National Football team Azkals. An avid fan of his claims that Phil can kick the football and give it an initial speed of 50 m/s. If...
August 8, 2014
Two students perform a simple experiment. One flicks a dime from the edge of a table. At the same instant, the other student drops a quarter from the same height. Ignoring air resistance, which coin strikes the floor first? Explain why. My own answer.. is this right? "in ...
August 8, 2014
firstly write a program to accept the number of telephone calls made by a customer and the print out the rate in cents. secondly define a structure employee with name, category , salary, tax as a member. read the name category and salary of employee and calculate the tax as ...
July 8, 2014
Language Arts (CHECK ANSWERS)
Please help :( I'm running out of time !
May 28, 2014
Language Arts (CHECK ANSWERS)
1. You already know that Anansi is a trickster. What does this tell you about the outcome of the folktale? (1 point) A: Everything will turn out the best possible way for all the characters. B: Everything will turn out the best possible way for Anansi. C: Anansis ...
May 28, 2014
Equation : 16 - 4 = ? Answer : 12 Good luck !
May 27, 2014
Yea 1)D 2)A 3)B 4)A There correct, just did it :)
May 12, 2014
Social Studies
Shes wrong, i did them and got 4/10
April 24, 2014
South America
is this true or false To accurately label exact locations on a map, geographers go to that specific location answers.
January 23, 2014
How do I subtract this?
I'm sorry I had to pester you with a problem like that, but my algebra is extremely weak. I understand it now though. Thank you very much! :)
October 3, 2013
How do I subtract this?
How would I subtract this? [(8)/(x+h+8)] - [(8)/(x+8)]
October 3, 2013
Find the derivatives of: 1. H(x)= sin2xcos2x The answer given is 2cos4x. My question is, how in the world did they get that!? Shouldn't the answer at least contain the sin function, either negative or positive seeing as it's the derivative of cos? Also, which rules are...
October 3, 2013
What is science is the question and btw Im in grade 8 so could u plz give an answer according to that like explain what is science first and then wht r its branches plzzz!!!
September 4, 2013
Algebra 1
Write 8 more than T as an algebraic expression
August 16, 2013
well, B is wrong.
June 9, 2013
Nickel (II)
April 11, 2013
you heat 4.31 grams of a nickel 2 phosphate hydrate. You heat to a constant mass of 3.09 grams. What is the formula of this hydrate?
April 11, 2013
I have a test in about an hour and a half and am having some difficulty on the review the teacher gave us to help us prepare. Any help would be great! *Convert the polar equation to a rectangular equation. rsin(theta - Pi/4) =5 -The answer is given as y= x+5sq.rt.2 Also, I ...
April 4, 2013
February 19, 2013
AP Physics B
A soap bubble of index of refraction 1.43 strongly reflects both the red and the green components of white light. What minimum film thickness allows this to happen? (In air,the wavelength of red light is 703 nm, of green light 502.143 nm.) Answer in units of nm
February 19, 2013
life orientation
State media onwership
February 17, 2013
AP Physics
Momentum One of those Civil War cannons is fired. The Cannon has a mass of 873kg It fires a 35.0kg cannon ball at a velocity of 145 m/s at an elevation angle of 35.0 degrees. The length of the barrel is 2.10m. (a) What is the recoil velocity of the cannon?(b)What is the KE of ...
January 8, 2013
thnk u
December 22, 2012
how were volcanoes formed ?
December 22, 2012
Find all real solution of the equation sin^2x = -2+2cosx
December 4, 2012
Find all solution of the trigonometric equation 3cosθ-√3=0 for θ in degrees.
December 4, 2012
AP Physics B
A penny of mass 3.1g rests on a small 28.2g block supported by a spinning disk of radius 12cm. The coefficients of friction between the block and disk are .73 (static) and .64 (kinetic) while those for the penny and black are .6 (static) and .45 (kinetic). What is the maximum ...
November 9, 2012
AP Physics B
An air puck of mass 0.102 kg is tied to a string and allowed to revolve in a circle of radius 1.06 m on a horizontal, frictionless table. The other end of the string passes through a hole in the center of the table and a mass of 0.78 kg is tied to it. The suspended mass ...
November 9, 2012
How many milliliters of 4.80 M HCl are required to react with 110 mL of 1.48 M Al(OH)3? Al(OH)3(s) + 3HCl(aq)to AlCl3(aq) + 3H2O(aq)
November 8, 2012
November 1, 2012
AP Physics B
A 0.408 kg puck, initially at rest on a horizontal, frictionless surface, is struck by a 0.0886 kg puck moving initially along the x axis with a speed of 3.14 m/s. After the collision, the 0.0886 kg puck has a speed of 2.14 m/s at an angle of 38◦ to the positive x axis. ...
November 1, 2012
AP Physics B
A 2189 kg car moving east at 9.73 m/s collides with a 3285 kg car moving north. The cars stick together and move as a unit after the collision, at an angle of 35.7◦ north of east and at a speed of 4.79 m/s. What was the speed of the 3285 kg car before the collision? ...
November 1, 2012
AP Physics B
A gadget of mass 17.85 kg floats in space without motion. Because of some internal malfunction, the gadget violently breaks up into 3 fragments flying away from each other. The first fragment has mass m1 = 4.12 kg and speed v1 = 3.57 m/s while the second ...
November 1, 2012
sorry..... venture or turmoil, or fluctuate or the three left
October 30, 2012
instead of hiring a lawyer, the defendant will__________ to plead her own case in court.
October 30, 2012
An airplane flying at 550 miles per hour has a bearing of 53°. After flying for 2.5 hours, how far north and how far east will the plane have traveled from its point of departure? I'm having a REALLY hard time with this one. I don't know what I'm doing wrong. ...
October 16, 2012
From a point 50 feet in front of a church, the angles of elevation to the base of the steeple and the top of the steeple are 35° and 47° 20', respectively. Find the height of the steeple. I missed class this day and have no idea how to go about this problem. I'...
October 15, 2012
A circular power saw has an 8-1/2 inch diameter blade that rotates at 4400 revolutions per minute. a)Find the angular speed of the saw blade in radians per minute. b)Find the linear speed in feet per minute of one of the 24 cutting teeth as they contact the wood being cut. I...
September 23, 2012
daily word promblems
The line for the cake walk was one-third the length of the line for the hoop shoot if there were 12 people in line for the hoop shoot how many people were in for the dunking machine?
September 5, 2012
18 and 19
September 4, 2012
A student used 10 mL water instead of 30 mL for extraction of salt from mixture. How may this change the percentage of NaCl extracted? My book says: % NaCl= (grams of NaCl / total grams of mixture) x 100 What I don't get is if it does change the percentage, why? It says ...
September 4, 2012
You're given two things and asked to find another. You're given density, mass, and asked to find the volume. The formula for density is: D= Mass ------ Volume Rewrite this formula for Volume and you get: V= M --- D A 5.0 carat diamond will have a mass of: 5(0.200 g)= 1...
September 4, 2012
What is the specific gravity of alcohol having a density of .79 g/mL?
September 4, 2012


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Here are some details about my project: | |
Category | Painting |
Type | Painting |
Subject | Landscape |
Material | Acrylic Paint |
Style | Impressionist |
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Tell us a little more about your inspiration.
Driving through beautiful Matlock Bath I could see the mists rolling over the hills so I had to stop to capture it.
Share a little about the materials, processes and techniques used to create this piece. Firstly a layer of gesso and tissue paper to add texture then build up with several layers of acrylic paint and then finish off with a dry brush technic to get the mist.

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Michea Crawford is easily the hottest lady to come out of Canada since Pam Anderson. Crawford and others emerging stars like Xenia Deli, Barbara Palvin and Emily Ratajkowski are ringing in a new school of models on the web proving that 2013 will be a good year.
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North Carolina Consumer Finance Act.
§ 53-164. Title.
This Article shall be known and may be cited as the North Carolina Consumer Finance Act. (1961, c. 1053, s. 1.)
§ 53-165. Definitions.
(a) "Amount of the loan" shall mean the aggregate of the cash advance and the charges authorized by G.S. 53-173 and G.S. 53-176.
(b) "Borrower" shall mean any person who borrows money from any licensee or who pays or obligates himself to pay any money or otherwise furnishes any valuable consideration to any licensee for any act of the licensee as a licensee.
(c) "Cash advance" shall mean the amount of cash or its equivalent that the borrower actually receives or is paid out at his discretion or on his behalf.
(d) "Commission" shall mean the State Banking Commission.
(e) "Commissioner" shall mean the Commissioner of Banks.
(f) "Deputy commissioner" shall mean the deputy commissioner of banks.
(g) "License" shall mean the certificate issued by the Commissioner under the authority of this Article to conduct a consumer finance business.
(h) "Licensee" shall mean a person to whom one or more licenses have been issued.
(i) "Loanable assets" shall mean cash or bank deposits or installment loans made as a licensee pursuant to this Article or installment loans made as a licensee pursuant to the Article which this Article supersedes or such other loans payable on an installment basis as the Commissioner of Banks may approve, or any combination of two or more thereof.
(j) "Person" shall include any person, firm, partnership, association or corporation. (1957, c. 1429, s. 1; 1961, c. 1053, s. 1; 2001-519, s. 1.)
§ 53-166. Scope of Article; evasions; penalties; loans in violation of Article void.
(a) Scope. - No person shall engage in the business of lending in amounts of fifteen thousand dollars ($15,000) or less and contract for, exact, or receive, directly or indirectly, on or in connection with any such loan, any charges whether for interest, compensation, consideration, or expense, or any other purpose whatsoever, which in the aggregate are greater than permitted by Chapter 24 of the General Statutes, except as provided in and authorized by this Article, and without first having obtained a license from the Commissioner. The word "lending" as used in this section, shall include, but shall not be limited to, endorsing or otherwise securing loans or contracts for the repayment of loans.
(b) Evasions. - The provisions of subsection (a) of this section apply to any person who seeks to avoid its application by any device, subterfuge, or pretense whatsoever. Devices, subterfuges, and pretenses include any transaction in which a cash rebate or other advance of funds is offered and all of the following apply:
(1) The cash advance is made contemporaneously with the transaction or soon thereafter.
(2) The amount of the cash advance is required to be repaid at a later date.
(3) The selling or providing of any item, service, or commodity with the transaction is incidental to, or a pretext for, the advance of funds.
(c) Penalties; Commissioner to Provide and Testify as to Facts in His Possession. - Any person not exempt from this Article, or any officer, agent, employee, or representative thereof, who fails to comply with or who otherwise violates any of the provisions of this Article, or any regulation of the Banking Commission adopted pursuant to this Article, shall be guilty of a Class 1 misdemeanor. Each violation shall be considered a separate offense. It is the duty of the Commissioner of Banks to provide the district attorney of the court having jurisdiction of any offense under this subsection with all facts and evidence in the Commissioner's actual or constructive possession, and to testify as to these facts upon the trial of any person for the offense.
(d) Additional Penalties. - Any contract of loan, the making or collecting of which violates any provision of this Article, or regulation thereunder, except as a result of accidental or bona fide error of computation is void, and the licensee or any other party in violation shall not collect, receive, or retain any principal or charges whatsoever with respect to the loan. If an affiliate operating in the same office or subsidiary operating in the same office of a licensee makes a loan in violation of G.S. 53-180(i), the affiliate or subsidiary may recover only its principal on the loan. (1955, c. 1279; 1957, c. 1429, s. 8; 1961, c. 1053, s. 1; 1969, c. 1303, ss. 13, 14; 1973, c. 47, s. 2; c. 1042, s. 1; 1979, c. 33, s. 1; 1985, c. 154, ss. 6, 13; 1987, c. 444, s. 3; 1989, c. 17, ss. 1, 13; 1989 (Reg. Sess., 1990), c. 881, s. 1; 1993, c. 539, s. 425; 1994, Ex. Sess., c. 24, s. 14(c); 2006-243, s. 2; 2013-162, s. 1.)
§ 53-167. Expenses of supervision.
For the purpose of defraying necessary expenses of the Office of Commissioner of Banks for supervision, each licensee shall pay to the Commissioner an assessment not to exceed eighteen dollars ($18.00) per one hundred thousand dollars ($100,000) of assets, or fraction thereof, plus a fee of three hundred dollars ($300.00) per office; provided, however, a consumer finance licensee shall pay a minimum annual assessment of not less than five hundred dollars ($500.00). The assessment shall be determined on a consumer finance licensee's total assets as shown on its report of condition made to the Commissioner as of December 31 of each year, or the date most nearly approximating that date. If the Commissioner determines that the financial condition or manner of operation of a consumer finance licensee warrants further examination or an increased level of supervision, the licensee may be subject to assessment not to exceed the amount determined in accordance with the schedule set forth in this section. (1955, c. 1279; 1957, c. 1429, s. 1; 1961, c. 1053, s. 1; 2012-56, s. 11.)
§ 53-168. License required; showing of convenience, advantage and financial responsibility; investigation of applicants; hearings; existing businesses; contents of license; transfer; posting.
(a) Necessity for License; Prerequisites to Issuance. - No person shall engage in or offer to engage in the business regulated by this Article unless and until a license has been issued by the Commissioner of Banks, and the Commissioner shall not issue any such license unless and until the Commissioner finds:
(1) That authorizing the applicant to engage in such business will promote the convenience and advantage of the community in which the applicant proposes to engage in business; and
(2) That the financial responsibility, experience, character and general fitness of the applicant are such as to command the confidence of the public and to warrant the belief that the business will be operated lawfully and fairly, within the purposes of this Article; and
(3) That the applicant has available for the operation of such business at the specified location loanable assets of at least fifty thousand dollars ($50,000).
(b) Investigation of Applicants. - Upon the receipt of an application, the Commissioner shall investigate the facts. If the Commissioner determines from such preliminary investigation that the applicant does not satisfy the conditions set forth in subsection (a), the Commissioner shall so notify the applicant who shall then be entitled to an informal hearing thereon provided he so requests in writing within 30 days after the Commissioner has caused the above-referred to notification to be mailed to the applicant. In the event of a hearing, to be held in the offices of the Commissioner of Banks in Raleigh, the Commissioner shall reconsider the application and, after the hearing, issue a written order granting or denying such application. At the time of making such application, the applicant shall pay the Banking Department the sum of two hundred fifty dollars ($250.00) as a fee for investigating the application, which shall be retained irrespective of whether or not a license is granted the applicant.
(c) Repealed by Session Laws 2001-519, s. 2.
(d) Required Assets Available. - Each licensee shall continue at all times to have available for the operation of the business at the specified location loanable assets of at least fifty thousand dollars ($50,000). The requirements and standards of this subsection and subsection (a)(2) of this section shall be maintained throughout the period of the license and failure to maintain such requirements or standards shall be grounds for the revocation of a license under the provisions of G.S. 53-171 of this Article.
(e) License, Posting, Continuing. - Each license shall state the address at which the business is to be conducted and shall state fully the name of the licensee, and if the licensee is a copartnership, or association, the names of the members thereof, and if a corporation, the date and place of its incorporation. Transfer or assignment of a license by one person to another by sale or otherwise is prohibited without the prior approval of the Commissioner. Each license shall be kept posted in the licensed place of business. Each license shall remain in full force and effect until surrendered, revoked, or suspended as hereinafter provided. (1961, c. 1053, s. 1; 1969, c. 1303, s. 15; 1973, c. 1042, s. 2; 1981, c. 671, s. 15; 1987, c. 827, s. 12; 2001-519, s. 2.)
§ 53-169. Application for license.
The application for license shall be made on a form prepared and furnished by the Commissioner of Banks and shall state:
(1) The fact that the applicant desires to engage in business under this Article; and
(2) Whether the applicant is an individual, partnership, association or corporation; and
(3) The name and address of the person who will manage and be in immediate control of the business; and
(4) The name and address of the owners and their percentage of equity in the company, except when the Commissioner does not deem it feasible to furnish such information because of the number of stockholders involved; and
(5) When the applicant proposes to commence doing business; and
(6) Such other information as the Commissioner of Banks deems necessary.
The statements made in such application shall be sworn to by the applicant or persons making application on the applicant's behalf. (1961, c. 1053, s. 1.)
§ 53-170. Locations; change of ownership or management.
(a) Business Location. - A licensee may conduct and carry on his business only at such location or locations as may be approved by the Commissioner of Banks, and no changes shall be made from one location to another without the approval of the Commissioner.
(b) Additional Places of Business. - Not more than one place of business shall be maintained under the same license, but the Commissioner may issue more than one license to the same licensee upon compliance with all the provisions of this Article governing issuance of a single license.
(c) Change of Location, Ownership or Management. - If any change occurs in the name and address of the licensee or of the president, secretary or agent of a corporation, or in the membership of any partnership under said sections, a true and full statement of such change, sworn to in the manner required by this Article in the case of the original application, shall forthwith be filed with the Commissioner. (1961, c. 1053, s. 1.)
§ 53-171. Revocation, suspension or surrender of license.
(a) If the Commissioner shall find, after due notice and hearing, or opportunity for hearing, that any such licensee, or an officer, agent, employee, or representative thereof has violated any of the provisions of this Article, or has failed to comply with the rules, regulations, instructions or orders promulgated by the Commission pursuant to the powers and duties prescribed therein, or has failed or refused to make its reports to the Commissioner, or has failed to pay the fees for its examination and supervision, or has furnished false information to the Commissioner or the Commission, the Commissioner may issue an order revoking or suspending the right of such licensee and such officer, agent, employee or representative to do business in North Carolina as a licensee, and upon receipt of such an order from the Commissioner, the licensee shall immediately surrender his license to the Commissioner. Within five days after the entry of such an order the Commissioner shall place on file his findings of fact and mail or otherwise deliver a copy to the licensee. Any licensee who fails to make any loans during any period of 90 consecutive days after being licensed shall surrender his license to the Commissioner.
(b) Any licensee may surrender any license by delivering it to the Commissioner with written notice of its surrender, but such surrender shall not affect his civil or criminal liability for acts committed prior thereto.
(c) No revocation, suspension or surrender of any license shall impair or affect the obligation of any preexisting lawful contract between the licensee and any obligor.
(d) The Commissioner, in his discretion, may reinstate suspended licenses or issue new licenses to a person whose license or licenses have been revoked, or surrendered if and when he determines no fact or condition exists which clearly would have justified the Commissioner in refusing originally to issue such license under this Article. (1955, c. 1279; 1961, c. 1053, s. 1.)
§ 53-172. Conduct of other business in same office.
(a) No licensee shall conduct the business of making loans under this Article within any office, suite, room, or place of business in which any other business is solicited or transacted.
Installment paper dealers as defined in G.S. 105-83, the collection by a licensee of loans legally made in North Carolina or another state by another government regulated lender or lending agency, and the collection by a licensee of claims of, payments to, or payments for an insurance company licensed in North Carolina and arising in any way from a nonfiling or nonrecording insurance policy approved by the Commissioner of Insurance shall not be considered as being any other business within the meaning of this section.
(b) Notwithstanding subsection (a) of this section, the Commissioner may authorize in writing the solicitation and transaction of other business in any office, suite, room, or place of business in which a licensee is conducting the business of making loans if the Commissioner determines that the other business would not be contrary to the best interests of the borrowing public.
(c) The Commissioner may require, consistent with the provisions of 12 C.F.R. Part 226 (Regulation Z) of the federal Truth-In-Lending Act, the other business authorized under subsection (b) of this section to:
(1) Disclose the cost of consumer credit of goods and services sold; and
(2) Provide the purchaser with a reasonable cancellation period for goods and services purchased.
(d) No licensee shall:
(1) Make the purchase of goods and services sold under the authorization of subsection (b) of this section a condition of making a loan; or
(2) Consider the borrower's decision to purchase, or not purchase, goods and services sold under the authorization of subsection (b) of this section a factor in its approval or denial of credit, or in its determination of the amount of or terms of credit for the borrower.
(e) The licensee shall notify the borrower in writing that the purchase of the goods and services offered under the authorization under subsection (b) of this section is voluntary and that the borrower's decision whether or not to purchase the goods and services will not affect the licensee's decision to grant credit or the amount of or terms of the credit granted.
(f) If, at any time, the Commissioner has reason to believe that the conduct of any other business authorized under this section is contrary to the best interests of the borrowing public, the Commissioner shall hold a hearing pursuant to Chapter 150B of the General Statutes to determine whether or not to revoke the authority to conduct that business. The Commissioner shall revoke the authority to conduct any other business if he or she finds that the conduct of any other business authorized under this section is contrary to the best interests of the borrowing public.
(g) This section shall not be construed as authorizing the collection of any loans or charges in violation of the prohibitions contained in G.S. 53-190.
(h) The books, records, and accounts relating to loans shall be kept in such manner as the Commissioner of Banks prescribes as to delineate clearly the loan business from any other business authorized by the Commissioner. (1961, c. 1053, s. 1; 1967, c. 769, s. 1; 1971, c. 1212; 1981, c. 464, s. 2; 1985, c. 154, ss. 7, 8, 9; 1987, c. 444, ss. 2, 3; 1989, c. 17, ss. 2, 13; 1991 (Reg. Sess., 1992), c. 765, s. 1; 2013-162, s. 2.)
§ 53-173. Computation of interest; application of payments; limitation on interest after judgment; limitation on interest after maturity of the loan.
(a), (a1) Repealed by Session Laws 2013-162, s. 3, effective July 1, 2013.
(b) Computation of Interest. - Interest on loans made pursuant to this section shall not be paid, deducted, or received in advance. Such interest shall not be compounded but interest on loans shall (i) be computed and paid only as a percentage of the unpaid principal balance or portion thereof and (ii) computed on the basis of the number of days actually elapsed; provided, however, if part or all of the consideration for a loan contract is the unpaid principal balance of a prior loan, then the principal amount payable under the loan contract may include any unpaid interest on the prior loan which have accrued within 90 days before the making of the new loan contract. For the purpose of computing interest, a day shall equal 1/365th of a year.
(b1) Application of Payments. - Any payment made on a loan shall be applied first to late charges and other permissible charges under this Article, then to any accrued interest, and then to principal. Any portion or all of the principal balance may be prepaid at any time without penalty.
(c) Limitation on Interest after Judgment. - If a money judgment is obtained against any party on any loan made under the provisions of this section neither the judgment nor the loan shall carry, from the date of the judgment, any interest in excess of eight percent (8%) per annum.
(d) Limitation of Interest after Maturity of Loan. - After the maturity date of any loan contract made under the provisions of this section and until the loan contract is paid in full by cash, new loan, refinancing or otherwise, no charges other than interest at eight percent (8%) per annum shall be computed or collected from any party to the loan upon the unpaid principal balance of the loan.
(e) Repealed by Session Laws 1989, c. 17, s. 3.
(f) Repealed by Session Laws 2001-519, s. 3, effective January 1, 2002. (1961, c. 1053, s. 1; 1969, c. 1303, ss. 13, 17-22; 1973, c. 1042, s. 3; 1975, c. 110, s. 1; 1979, c. 33, s. 2; 1981, c. 561, ss. 1-3; 1983, c. 68, s. 1; c. 126, s. 13; 1989, c. 17, s. 3; 2001-519, s. 3; 2013-162, s. 3.)
§ 53-173.1: Repealed by Session Laws 1989, c. 17, s. 4.
§ 53-173.2. Repealed by Session Laws 1975, c. 110, s. 2.
§ 53-174: Repealed by Session Laws 1989, c. 17, s. 4.
§ 53-175. Fee for returned checks.
A licensee may collect the fee for returned checks to the extent permitted by G.S. 25-3-506. This section shall apply to any loan made by any licensee under this Article. (1961, c. 1053, s. 1; 1969, c. 1303, s. 23; 1981, c. 561, s. 4; 1983, c. 68, s. 1; c. 126, s. 12; 1989, c. 17, s. 5; 1995 (Reg. Sess., 1996), c. 742, s. 21.)
§ 53-176. Rates, maturities and amounts.
(a) A licensee may make installment loans in aggregate amounts not exceeding fifteen thousand dollars ($15,000) and which shall not be repayable in fewer than 12 months or more than 96 months and which shall not be secured by deeds of trust or mortgages on real estate and which are repayable in substantially equal consecutive monthly payments and to charge and collect interest in connection therewith which shall not exceed the following actuarial rates:
(1) With respect to a loan not exceeding ten thousand dollars ($10,000), thirty percent (30%) per annum on that part of the unpaid principal balance not exceeding four thousand dollars ($4,000), twenty-four percent (24%) per annum on that part of the unpaid principal balance exceeding four thousand dollars ($4,000) but not exceeding eight thousand dollars ($8,000), and eighteen percent (18%) per annum on that part of the remainder of the unpaid principal balance.
(2) With respect to a loan exceeding ten thousand dollars ($10,000), eighteen percent (18%) per annum on the outstanding principal balance.
Interest shall be contracted for and collected at the single simple interest rate applied to the outstanding balance that would earn the same amount of interest as the above rates for payment according to schedule.
(b) In addition to the interest permitted in this section, a licensee may assess at closing a fee for processing the loan as agreed upon by the parties, not to exceed twenty-five dollars ($25.00) for loans up to two thousand five hundred dollars ($2,500) and one percent (1%) of the cash advance for loans above two thousand five hundred dollars ($2,500), not to exceed a total fee of forty dollars ($40.00), provided that such charges may not be assessed more than twice in any 12-month period.
(c) The provisions of G.S. 53-173(b), (b1), (c) and (d) and G.S. 53-180(b), (c), (d), (e), (f), (g), (h) and (i) shall apply to loans made pursuant to this section.
(d) Repealed by Session Laws 2013-162, s. 4, effective July 1, 2013.
(e) The due date of the first monthly payment shall not be more than 45 days following the disbursement of funds under any such installment loan. A borrower under this section may prepay all or any part of a loan made under this section without penalty. Except as otherwise provided for pursuant to G.S. 75-20(a), no more than twice in a 12-month period, a borrower may cancel a loan with the same licensee within three business days after disbursement of the loan proceeds without incurring or paying interest so long as the amount financed, minus any fees or charges, is returned to and received by the licensee within that time.
(f) Repealed by Session Laws 2013-162, s. 4, effective July 1, 2013. (1961, c. 1053, s. 1; 1969, c. 1303, s. 12.1; 1981, c. 561, s. 7; 1983, c. 68, s. 1; c. 126, ss. 14, 15; 1989, c. 17, s. 6; 1995, c. 155, s. 1; 2001-519, s. 4; 2013-162, s. 4.)
§ 53-176.1: Repealed by Session Laws 1989, c. 17, s. 4.
§ 53-177. Fees.
(a) Recording Fees. - The licensee may collect from the borrower the amount of any fees necessary to file or record its security interest with any public official or agency of a county or the State as may be required pursuant to Article 9 of Chapter 25 of the General Statutes or G.S. 20-58 et seq. Upon full disclosure to the borrower on how the fees will be applied, such fees may either (i) be paid by the licensee to such public official or agency of the county or State or (ii) in lieu of recording or filing, applied by the licensee to purchase nonfiling or nonrecording insurance on the instrument securing the loan; provided, however, the amount collected by the licensee from the borrower for the purchase of a nonfiling or nonrecording insurance policy shall be the premium amount for such insurance as fixed by the Commissioner of Insurance. Such premium shall be at least one dollar ($1.00) less than the cost of recording or filing a security interest. Provided further, a licensee shall not collect or permit to be collected any notary fee in connection with any loan made under this Article, nor may a licensee collect any fee from the borrower for the cost of releasing a security interest except such fee as actually paid to any public official or agency of the county or State for such purpose.
(b) Late Fees. -
(1) A licensee may charge a late payment fee for any payment which remains past due for 10 days or more after the due date.
(2) No licensee may charge a late payment fee in an amount greater than fifteen dollars ($15.00) nor charge a late payment fee more than once with respect to a single late payment.
(3) If a late payment fee has been once imposed with respect to a particular late payment, no such fee shall be imposed with respect to any future payment which would have been timely and sufficient but for the previous default.
(c) Deferral Charges. - A licensee may, by agreement with the borrower, collect a deferral charge and defer the due date of all or part of one or more installments under an existing loan contract as permitted in the provisions of G.S. 25A-30.
(d) Insurance Policy. - If a licensee, in lieu of recording, collects a fee to purchase a nonfiling or nonrecording insurance policy as authorized under subsection (a) of this section, to be valid, any claim arising from such policy shall only be used to compensate the licensee for damages arising from failure to record or file its security interest in accordance with Article 9 of Chapter 25 of the General Statutes. Following payment of such claim, the licensee shall do the following:
(1) Properly credit the full claim amount posted to the balance of the loan effective the date the proceeds were received.
(2) Close the loan account and cease collection efforts on any loan that was paid in full by a claim.
(3) Provide the borrower written notice, unless otherwise prohibited by federal law, that (i) the claim has been partially paid or paid in full and (ii) to the extent the loan is subject to the insurance company's subrogation rights, instructions about direction of future payments.
(4) Cancel of record or properly credit, as appropriate, any judgments against the borrower arising from the loan and, if the judgment has been paid in part, file a certificate of partial satisfaction.
(5) Accurately report any account adjustments to any credit bureau used by the licensee. (1961, c. 1053, s. 1; 1989, c. 17, s. 7; 2000-169, s. 36; 2013-162, s. 5.)
§ 53-178. No further charges; no splitting contracts; certain contracts void.
No further or other charges or insurance commissions shall be directly or indirectly contracted for or received by any licensee except those specifically authorized by this Article or by the Commissioner under G.S. 53-172. No licensee shall divide into separate parts any contract made for the purpose of or with the effect of obtaining charges in excess of those authorized by this Article. All balances due to a licensee from any person as a borrower or as an endorser, guarantor or surety for any borrower or otherwise, or due from any husband or wife, jointly or severally, shall be considered a part of any loan being made by a licensee to such person for the purpose of computing interest or charges. (1961, c. 1053, s. 1; 1991 (Reg. Sess., 1992), c. 765, s. 2.)
§ 53-179. Multiple-office loan limitations.
A licensee shall not grant a loan in one office to any borrower who already has a loan in another office operated by the same entity or by an affiliate, parent, subsidiary or under the same ownership, management or control, whether partial or complete. This section shall apply to intrastate and interstate operations. A licensee shall take every reasonable precaution to prevent granting loans in violation of this section. Such loans granted inadvertently resulting in a total liability of three thousand dollars ($3,000) or less, shall be adjusted to the rates applicable under the Article to a single loan of equivalent amount, and when the total liability on such loans is in excess of three thousand dollars ($3,000), interest shall be adjusted to simple interest at eight percent (8%) per annum on the entire obligation. (1961, c. 1053, s. 1; 1969, c. 1303, s. 13; 1973, c. 1042, s. 6; 1981, c. 561, ss. 5, 6; 1983, c. 68, s. 1.)
§ 53-180. Limitations and prohibitions on practices and agreements.
(a) Time and Payment Limitation. - Every loan contract shall provide for repayment of the amount loaned in substantially equal installments, either of principal or of principal and charges in the aggregate, at approximately equal periodic intervals of time. Nothing contained herein shall prevent a loan being considered a new loan because the proceeds of the loan are used to pay an existing contract.
(b) No Assignment of Earnings. - A licensee may not take an assignment of earnings of the borrower for payment or as security for payment of a loan. An assignment of earnings in violation of this section is unenforceable by the assignee of the earnings and is revocable by the borrower. A sale of unpaid earnings made in consideration of the payment of money to or for the account of the seller of the earnings is deemed to be a loan to the seller by an assignment of earnings.
(c) Limitation on Default Provisions. - An agreement between a licensee and a borrower pursuant to a loan under this Article with respect to default by the borrower is enforceable only to the extent that (i) the borrower fails to make a payment as required by the agreement or fails to maintain contractually required insurance coverage or (ii) the prospect of payment, performance, or realization of collateral is significantly endangered or impaired, the burden of establishing the prospect of a significant endangerment or impairment being on the licensee.
(d) Prohibitions on Discrimination. - No licensee shall deny any extension of credit or discriminate in the fixing of the amount, duration, application procedures or other terms or conditions of such extension of credit because of the race, color, religion, national origin, sex or marital status of the applicant or any other person connected with the transaction.
(e) Limitation on Attorney's Fees. - With respect to a loan made pursuant to the provisions of G.S. 53-176, the agreement may not provide for payment by the borrower of attorney fees.
(f) No Real Property as Security. - No licensee shall make any loan within this State which shall in any way be secured by real property.
(g) Deceptive Acts or Practices. - No licensee shall engage in any unfair method of competition or unfair or deceptive trade practices in the conduct of making loans to borrowers pursuant to this Article or in collecting or attempting to collect any money alleged to be due and owing by a borrower.
(h) Limitations on Home Loans. - No affiliate operating in the same office or subsidiary operating in the same office of a licensee shall make any home loan as defined in G.S. 24-1.1A(e) in a principal amount of less than three thousand dollars ($3,000).
(i) Limitation on Conditions to Making Loans. - A licensee or an affiliate operating in the same office or subsidiary operating in the same office of a licensee shall not make as a condition of any loan the refinancing of a borrower's home loan as defined in G.S. 24-1.1A(e) which is not currently in default.
(j) No Solicitation of Deposits. - No licensee may directly or indirectly solicit from any borrower funds to be held on deposit in any bank; provided, however, a borrower may at his option, by way of a military allotment or other such program, designate a depository to receive and disburse funds for a designated purpose.
(k) Loans made pursuant to this Article solicited using a facsimile or negotiable check shall be subject to the provisions of G.S. 75-20(a). (1961, c. 1053, s. 1; 1969, c. 1303, s. 24; 1973, c. 1042, s. 7; 1979, c. 33, s. 3; 1981, c. 464, s. 3; 1985, c. 154, ss. 10-12; 1987, c. 444, s. 3; 1989, c. 17, ss. 8, 13; 2001-519, s. 5; 2013-162, s. 6.)
§ 53-180.1. Military service members limitation.
(a) Definition. - For purposes of this section, the term "military service member" means a member of the Armed Forces who is either (i) on active duty under a call or order that does not specify a period of 30 days or fewer or (ii) on active Guard and Reserve Duty, as that term is defined in 10 U.S.C. § 101(d)(6).
(b) Verification; Requirements for Granting Loan. - Prior to making a loan under this Article, a licensee will confirm whether the borrower is a military service member and document this in the person's loan file. A licensee may not make a loan to a borrower who is a military service member with a rank of E4 or below ("covered member") unless the following requirements are met:
(1) The licensee notifies the borrower's company-level commander or equivalent designee of the covered member before the loan is consummated. Notification may occur verbally, by electronic means, United States mail, or other equivalent methods of notification. The notification method and date shall be recorded in writing and included in the loan file along with the name of the company-level commander or equivalent designee communicated with and the date of the communication with the company-level commander or equivalent designee.
(2) The licensee shall deposit in the United States mail a copy of the federal Truth in Lending Act, 15 U.S.C. § 1601, et seq., disclosures and the complete contract for the loan addressed to the borrower's company-level commander or equivalent designee of the covered member within five business days of the consummation of the loan.
(3) A covered member who has entered into a loan contract made pursuant to this Article may, within 30 days of entering into the loan contract, rescind the loan contract by returning to the licensee in cash or by certified bank check the amount advanced to or for the benefit of the covered member under the loan contract, and upon delivery of those funds to the licensee, the borrower shall have no further liability or obligations under the loan contract. Nothing in this provision shall be construed to restrict or eliminate any other penalties provided by State or federal law.
(4) The licensee shall give the covered member a separate disclosure that includes the statements and information required under G.S. 53-181(a). The licensee shall include the name and address of the North Carolina Commissioner of Banks, the Consumer Protection Division of the North Carolina Department of Justice, and the Consumer Financial Protection Bureau. The licensee may include internal compliance information on the same disclosure.
(5) Notwithstanding section 2 of Title 9 of the United States Code, 9 U.S.C. § 2, or any other federal or State law, rule, or regulation, no agreement to arbitrate any dispute involving the extension of consumer credit shall be enforceable against any covered member or dependent of such a member or any person who was a covered member or dependent of that member when the agreement was made.
(6) A licensee shall take reasonable precaution to prevent making loans in violation of this section. In the event that a licensee does not take reasonable precautions to identify covered members prior to making a loan, such loans granted to covered members shall have the interest rate on the loan adjusted to eight percent (8%) per annum.
(c) Penalties and Remedies. -
(1) The remedies and rights provided under this section are in addition to and do not preclude any remedy otherwise available under law to the person claiming relief under this section, including any incidental, consequential, or punitive damages.
(2) Any credit agreement, promissory note, or other contract prohibited under this section is null and void.
(3) Nothing in this section may be construed to limit or otherwise affect the applicability of section 207 of the Servicemembers Civil Relief Act, 50 U.S.C. App. § 527.
(d) Additional Restriction. - When a military servicemember has been deployed to a theater of combat, combat supporting role, an area where hostile fire and/or when Imminent Danger Pay is authorized to the servicemember, a licensee shall not contact the military servicemember or member's spouse by telephone or electronic mail for purposes of collecting on the loan upon receiving sufficient proof of the military servicemember's deployment. An official copy of the military service member's orders for deployment or written verification from the servicemember's commanding officer shall constitute sufficient proof. (2013-162, s. 7.)
§ 53-181. Statements and information to be furnished to borrowers; power of attorney or confession of judgment prohibited.
(a) Contents of Statement Furnished to Borrower. - At the time a loan is made, the licensee shall deliver to the borrower, or if there be two or more borrowers, to one of them a copy of the loan contract, or a written statement, showing in clear and distinct terms:
(1) The name and address of the licensee and one of the primary obligors on the loan;
(2) The date of the loan contract;
(3) Schedule of installments or descriptions thereof;
(4) The cash advance;
(5) The face amount of the note evidencing the loan;
(6) The amount collected or paid for insurance, if any;
(7) The amount collected or paid for filing or other fees allowed by this Article;
(8) The collateral or security for the loan;
(9) If the loan refinances a previous loan, the following relating to the refinanced loan: (i) the principal balance due; (ii) interest charged that is included in the new loan; and (iii) rebates on any credit insurance, listed separately.
(10) In addition to any disclosures otherwise provided by law, a licensee soliciting loans using a facsimile or negotiable check shall provide the disclosures required by G.S. 75-20(a).
(b) Schedule of Charges, etc., to Be Made Available; Copy Filed with Commissioner. - Each licensee doing business in North Carolina shall make readily available to the borrower at each place of business such full and accurate schedule of charges and insurance premiums, including refunds and rebates, on all classes of loans currently being made by such licensee, as the Commissioner shall prescribe, and a copy thereof shall be filed in the office of the Commissioner of Banks.
(c) Power of Attorney or Confession of Judgment Prohibited. - No licensee shall take any confession of judgment or permit any borrower to execute a power of attorney in favor of any licensee or in favor of any third person to confess judgment or to appear for the borrower in any judicial proceeding and any such confession of judgment or power of attorney to confess judgment shall be absolutely void. (1955, c. 1279; 1961, c. 1053, s. 1; 1989, c. 17, s. 9; 2001-519, s. 6.)
§ 53-182. Payment of loans; receipts.
(a) After each payment made on account of any loan, the licensee shall give to the person making such payment a signed, dated receipt showing the amount paid and the balance due on the loan. No receipt shall be required in the case of payments made by the borrower's check or money order, where the entire proceeds of the check or money order are applied to the loan. The use of a coupon book system shall be deemed in compliance with this section.
(b) Upon payment of any loan in full, a licensee shall cancel and return to the borrower, within a reasonable length of time, originals or copies of any note, assignment, mortgage, deed of trust, or other instrument securing such loan, which no longer secures any indebtedness of the borrower to the licensee. (1955, c. 1279; 1961, c. 1053, s. 1; 2001-519, s. 7.)
§ 53-183. Advertising, broadcasting, etc., false or misleading statements.
No licensee subject to this Article shall advertise, display, distribute, telecast, or broadcast or cause or permit to be advertised, displayed, distributed, telecasted, or broadcasted, in any manner whatsoever, any false, misleading, or deceptive statement or representation with regard to the rates, terms, or conditions of loans. The Commissioner may require that charges or rates of charge, if stated by a licensee, be stated fully and clearly in such manner as he may deem necessary to prevent misunderstanding thereof by prospective borrowers. The Commissioner may permit or require licensees to refer in their advertising to the fact that their business is under State supervision, subject to conditions imposed by him to prevent an erroneous impression as to the scope or degree of protection provided by this Article. (1957, c. 1429, s. 3; 1961, c. 1053, s. 1.)
§ 53-184. Securing of information; records and reports; allocations of expense.
(a) Each licensee shall maintain all books and records relating to loans made under this Article required by the Commissioner of Banks to be kept, and the Commissioner, his deputy, or duly authorized examiner or agent or employee is authorized and empowered to examine such records at any reasonable time. Such books and records may be maintained in the form of magnetic tape, magnetic disk, optical disk, or other form of computer, electronic or microfilm media available for examination on the basis of computer printed reproduction, video display or other medium acceptable to the Commissioner of Banks; provided, however, that such books and records so kept must be convertible into clearly legible tangible documents within a reasonable time. Any licensee having more than one licensed office may maintain such books and records at a location other than the licensed office location if such location is approved by the Commissioner; provided that, upon such requirements as may be imposed by the Commissioner of Banks, there shall be available to the borrower at each licensed location or such other location convenient to the borrower, as designated by the licensee, complete loan information; and provided further that such books and records of each licensed office shall be clearly segregated. When a licensee maintains its books and records outside of North Carolina, the licensee shall make them available for examination at the place where they are maintained and shall pay for all reasonable and necessary expenses incurred by the Commissioner in conducting such examination. Where the data processing for any licensee is performed by a person other than the licensee, the licensee shall provide to the Commissioner of Banks a copy of a binding agreement between the licensee and the data processor which allows the Commissioner of Banks, his deputy, or duly authorized examiner or agent or employee to examine that particular data processor's activities pertaining to the licensee to the same extent as if such services were being performed by the licensee on its own premises; and, notwithstanding the provisions of G.S. 53-167, when billed by the Commissioner of Banks, the licensee shall reimburse the Commissioner of Banks for all costs and expenses incurred by the Commissioner in such examination.
(b) Each licensee shall file annually with the Commissioner of Banks on or before the thirty-first day of March for the 12 months' period ending the preceding December 31, reports on forms prescribed by the Commissioner. Reports shall disclose in detail and under appropriate headings the assets and liabilities of the licensee, the income, expense, gain, loss, and any other information as the Commissioner may require. Reports shall be verified by the oath or affirmation of the owner, manager, president, vice-president, cashier, secretary or treasurer of the licensee.
(c) If a licensee conducts another business or is affiliated with other licensees under this Article, or if any other situation exists under which allocations of expense are necessary, the licensee or licensees shall make such allocation according to appropriate and reasonable accounting principles.
(d) Repealed by Session Laws 1997-285, s. 3, effective January 1, 1998. (1955, c. 1279; 1957, c. 1429, s. 4; 1961, c. 1053, s. 1; 1981, c. 561, s. 8; 1983, c. 68, s. 1; 1989, c. 17, s. 10; 1997-285, ss. 2, 3; 2001-519, s. 8; 2012-56, s. 12.)
§ 53-185. Rules and regulations by Banking Commission and Commissioner.
The State Banking Commission is hereby authorized, empowered and directed to make all rules and regulations deemed by the Commission to be necessary in implementing this Article and in providing for the protection of the borrowing public and the efficient management of such licensees and to give all necessary instructions to such licensees for the purpose of interpreting this Article; provided, the Commissioner is hereby authorized to make such rules and regulations and issue such orders as he deems necessary and desirable in implementing and carrying out the provisions of G.S. 53-184. And it shall be the duty of all such licensees, their officers, agents and employees, to comply fully with all such rules, regulations and instructions. When promulgated, any rule or regulation shall be forwarded by mail to each licensee at its licensed place of business at least 20 days prior to its effective date. (1955, c. 1279; 1961, c. 1053, s. 1.)
§ 53-186. Commissioner to issue subpoenas, conduct hearings, give publicity to investigations, etc.
The Commissioner of Banks shall have the power and duty to issue subpoenas including subpoenas duces tecum, and compel attendance of witnesses, administer oaths, conduct hearings and transcribe testimony in making the investigations and conducting the hearings provided for herein or in the other discharge of his duties, and to give such publicity to his investigations and findings as he may deem best for the public interest. (1957, c. 1429, s. 5; 1961, c. 1053, s. 1.)
§ 53-187. Injunctive powers; receivers.
Whenever the Commissioner has reasonable cause to believe that any person is violating or is threatening to violate any provision of this Article, he may in addition to all actions provided for in this Article, and without prejudice thereto, enter an order requiring such person to desist or to refrain from such violation; and an action may be brought in the name of the Commissioner on the relation of the State of North Carolina to enjoin such person from engaging in or continuing such violation or from doing any act or acts in furtherance thereof. In any such action an order or judgment may be entered awarding such preliminary or final injunction as may be deemed proper. In addition to all other means provided by law for the enforcement of a restraining order or injunction, the court in which such action is brought shall have power and jurisdiction to impound, and to appoint a receiver for the property and business of the defendant, including books, papers, documents and records pertaining thereto or so much thereof as the court may deem reasonably necessary to prevent violations of this Article through or by means of the use of said property and business. Such receiver, when appointed and qualified, shall have such powers and duties as to custody, collection, administration, winding up, and liquidation of such property and business as shall from time to time be conferred upon him by the court. (1957, c. 1429, s. 6; 1961, c. 1053, s. 1.)
§ 53-188. Review of regulations, order or act of Commission or Commissioner.
The Commission may review any rule, regulation, order or act of the Commissioner done pursuant to or with respect to the provisions of this Article. Any person aggrieved by any such rule, regulation, order or act may appeal, pursuant to G.S. 53C-2-6(b), to the Commission for review upon giving notice in writing within 20 days after such rule, regulation, order or act complained of is adopted, issued or done. Notwithstanding any other provision of law to the contrary, any aggrieved party to a decision of the Commission shall be entitled to petition for judicial review pursuant to G.S. 53C-2-6(b). (1957, c. 1429, s. 6; 1961, c. 1053, s. 1; 1973, c. 1331, s. 3; 1987, c. 827, s. 13; 1995, c. 129, s. 29; 2009-57, s. 2; 2012-56, s. 13.)
§ 53-189. Insurance.
(a) Credit life, credit accident and health, credit unemployment, and credit property insurance may be written in accordance with the provisions of Article 57 of Chapter 58 of the General Statutes.
(b) The premium or cost of credit life, credit accident and health, credit unemployment, or credit property insurance, when written by or through any lender or other creditor, its affiliate, associate or subsidiary shall not be deemed as interest or charges or consideration or an amount in excess of permitted charges in connection with the loan or credit transaction and any gain or advantage to any lender or other creditor, its affiliate, associate or subsidiary, arising out of the premium or commission or dividend from the sale or provision of such insurance shall not be deemed a violation of any other law, general or special, civil or criminal, of this State, or of any rule, regulation or order issued by any regulatory authority of this State. (1961, c. 1053, s. 1; 1969, c. 1303, s. 25; 1975, c. 660, s. 2; 1981, c. 759, s. 10; c. 876; 1987, c. 826, s. 10; 1993, c. 226, s. 14.)
§ 53-190. Loans made elsewhere.
(a) No loan contract made outside this State in the amount or of the value of ten thousand dollars ($10,000) or less, for which greater consideration or charges than are authorized by G.S. 53-173 and G.S. 53-176 of this Article have been charged, contracted for, or received, shall be enforced in this State. Provided, the foregoing shall not apply to loan contracts in which all contractual activities, including solicitation, discussion, negotiation, offer, acceptance, signing of documents, and delivery and receipt of funds, occur entirely outside North Carolina.
(b) If any lender or agent of a lender who makes loan contracts outside this State in the amount or of the value of ten thousand dollars ($10,000) or less, comes into this State to solicit or otherwise conduct activities in regard to such loan contracts, then such lender shall be subject to the requirements of this Article.
(c) No lender licensed to do business under this Article may collect, or cause to be collected, any loan made by a lender in another state to a borrower, who was a legal resident of North Carolina at the time the loan was made. The purchase of a loan account shall not alter this prohibition. (1961, c. 1053, s. 1; 1967, c. 769, s. 2; 1969, c. 1303, s. 13; 1973, c. 1042, s. 8; 1979, c. 706, s. 2; 1989, c. 17, s. 11.)
§ 53-191. Businesses exempted.
Nothing in this Article shall be construed to apply to any person, firm or corporation doing business under the authority of any law of this State or of the United States relating to banks, trust companies, savings and loan associations, cooperative credit unions, agricultural credit corporations or associations organized under the laws of North Carolina, production credit associations organized under the act of Congress known as the Farm Credit Act of 1933, pawnbrokers lending or advancing money on specific articles of personal property, industrial banks, the business of negotiating loans on real estate as defined in G.S. 105-41, nor to installment paper dealers as defined in G.S. 105-83 other than persons, firms and corporations engaged in the business of accepting fees for endorsing or otherwise securing loans or contracts for repayment of loans. (1955, c. 1279; 1957, c. 1429, s. 8; 1961, c. 1053, s. 1; 1969, c. 1303, s. 26.)


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Arguments were completed and the order reserved in the doping cases involving six top woman quarter-milers of the country during the hearing before a National Anti-Doping Disciplinary panel here on Friday.
The six athletes, Mandeep Kaur, Ashwini A. C., Sini Jose, Jauna Murmu, Tiana Mary Thomas and Priyanka Panwar, are facing charges of steroid abuse. They tested positive last May and June during in-competition and out-of-competition tests conducted by the National Anti-Doping Agency (NADA) and the International Association of Athletics Federations (IAAF).
The athletes have pleaded that they consumed ginseng bought by the foreign coach, Yuriy Ogorodonik, from Guangzhou, China in November last year and that led to the 'positive' tests.
Among a batch of six supplements purportedly collected from the athletes and tested by the Sports Authority of India (SAI), one turned up 'positive' for steroids stanozolol and methandienone. While stanozolol was found only in the urine samples of Mandeep and Tiana, all six had tested positive for methandienone.
The prosecution contended on Friday that under the Code there could be no complete exoneration on the argument of using supplements and they turning out to be contaminated.
It further argued that even if "no significant fault or negligence" clause was applied in order to seek a reduction in sanction, no grounds were prepared to seek such a leniency.
The NADA contended that the athletes had not sought details of the ginseng from the coach nor did the coach have any background over the substance he had purchased.
Incidentally, the foreign coach, in his written statement, did not admit that he had given any ginseng bought from China to his wards.
Coach blamed
But what the defence lawyer, R.K. Anand, pinned his faith on was a report by SAI putting the blame on the foreign coach apart from his argument that once an authority or a coach gave a banned substance to an athlete then the latter could not be held guilty.
The SAI has had no authority or jurisdiction to interfere with an ongoing hearing process being brought forward by the NADA and yet it felt justified in gathering supplements given by the athletes and getting them tested.
It further complicated matters by producing an internal enquiry report, a copy of which landed up with the 'defence team' before the NADA got wind of it.
The defence lawyers even wanted the Justice Mugdal Committee report on doping to be brought in as evidence, but apparently no side seemed to have received a copy since the report is yet to be officially submitted.
Justice Mudgal, it is learnt, did not want to release his report even as a hearing process was on in the cases lest it should influence the decision of the panel.


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Economou, Thanasis E.; Green, Simon F.; Brownlee, Don E. and Clark, Ben C.
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DOI (Digital Object Identifier) Link: | http://dx.doi.org/10.1016/j.icarus.2012.09.019 |
Google Scholar: | Look up in Google Scholar |
The Dust Flux Monitor Instrument (DFMI) on the Stardust and Stardust-NExT missions measured impacts from coma dust particles with masses from ∼10−15 to >10−6 kg using two kinds of sensors – one based on polyvinylidene fluoride (PVDF) thin films and the other on acoustic detectors (ACs) mounted on the front and second layers of the Whipple Bumper Shield. At the higher encounter speed of 10.9 km s−1 at Comet 9P/Tempel 1 compared with 6.12 km s−1 at 81P/Wild 2 encounter, the mass sensitivity of DFMI sensors increased by between a factor of 2 and 12 (depending on the sensor subsystem), but the spatial resolution (⩾1.09 km) decreased to approximately a half. The coma of Comet Tempel 1 exhibits highly non-uniform spatial distribution of dust, as found at comet Wild 2, with bursts of impacts of up to 1000 particles over km scales near closest approach surrounded by void regions of many kilometers with no impacts. These data are consistent with passage through clouds of particles resulting from fragmentation of larger aggregates emitted from the nucleus. These fragmentation products dominate the total dust production of small particles, with only a small contribution likely from direct emission from the nucleus. The derived overall mass distribution is similar to that found at comet Wild 2 with the total mass dominated by large particles. The average cumulative mass index α = 0.65 ± 0.08 (where the particle flux is defined by ϕ (>m) = km−α) but a better fit is obtained with α = 0.85 ± 0.08 for particle masses below 10−10 kg and a significantly lower value for higher masses.
Item Type: | Journal Article |
Copyright Holders: | 2012 Elsevier Inc. |
Keywords: | DFMI; Comet Tempel 1; dust; coma; particle size |
Academic Unit/Department: | Science > Physical Sciences |
Interdisciplinary Research Centre: | Centre for Earth, Planetary, Space and Astronomical Research (CEPSAR) |
Item ID: | 35142 |
Depositing User: | Simon Green |
Date Deposited: | 07 Nov 2012 15:11 |
Last Modified: | 05 Feb 2014 18:47 |
URI: | http://oro.open.ac.uk/id/eprint/35142 |
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Goal: To create one piece of art each day for 365 consecutive days
She'd really taken a liking to the birds. In fact over the past year or two she'd begun studying up on them – working to identify each little beauty by sound and sight. Of course she knew the easy ones, like the robin and hummingbird. But she could also recognize the finches, sparrows and egrets with ease. At times she even went so far as to call herself a birder.
Now though, as she sat perched on this branch, she realized she had taken her hobby too far.
This original piece or prints available for purchase at https://www.etsy.com/listing/102962770/bird-girl-mixed-media-original or by emailing


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Have you ever wanted to pre-define your trade setups? Using the PFA Zoning you can do just that. We have designed a unique algorithm to calculate where the true Order Flow (Buy and Sell Orders) resides and plot it on your chart automatically with multiple time frame functionality. See zones from the large time frame, and trade from the smaller time frame all from one chart! This helps in many ways including preparation, exact entry/stop/target points, and gives you extremely visual aspects that are reoccurring which increases consistency. The PFA Zoning can be used on any market and any time frame simultaneously. We have defined our methodology to remove subjectivity within your trading by very easy to follow tactics like color changes and opacity. This has many benefits to your trading whether you day, swing, position, or long term trade even beyond exact entry/stop/target points. With our custom design you have the ability to know when to enter and when to stay out of the market. Each trade setup is calculated, then put thru an extensive set of algorithms to determine only the highest probability trades while disregarding all others. This generates more profitable trades without all of the decision making. Our algorithms can be incorporated into any trading method and not only help you determine when to get into a market, but also when to stay out!
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Posted by Calisto (Bern, Switzerland) on 6 June 2010 in People & Portrait and Portfolio.
Model: Jenny Sommer
Official website [calistonet.ch] | Join me on Facebook | Follow me on Twitter
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Love this...the atmosphere is great!
6 Jun 2010 3:18pm
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26 search results for 3-D conversion
'Thor' and 'Captain America' confirmed for 3D conversions
Type: Post | Date: Wednesday, Jul 14, 2010
Plus Marvel reveals more of their Comic-Con plans -
Scorsese attempting 3-D with 'Hugo Cabret'
Type: Article | Date: Wednesday, Apr 14, 2010
Don't worry, no 2-D conversion for the cinematic master -
Box Office: 'Prisoners' wins the weekend with $21 million
Type: Article | Date: Sunday, Sep 22, 2013
'Rush' and 'Enough Said' have solid limited debuts -
'The Last Airbender' now kicking its way into 3-D
Type: Article | Date: Friday, Apr 23, 2010
Director M. Night Shyamalan gets his conversion wish -
Roundup: Is Oscar ready for a 3D Best Picture?
Type: Post | Date: Monday, Feb 24, 2014
Also: On the origins of the Oscars, and was 2013 such a banner year for cinema? -
Box Office: 'Clash' makes a comeback over 'Date Night' to win the weekend
Type: Article | Date: Monday, Apr 12, 2010
Fox got a little ahead of themselves declaring the hit comedy No. 1 -
Box Office: Moviegoers make Friday a 'Date Night' with Fey and Carell
Type: Article | Date: Saturday, Apr 10, 2010
Romantic comedy knocks 'Clash of the Titans' from the top spot -
Box Office: 'Date Night' overcomes 'Clash' comeback with $27.1 million
Type: Article | Date: Sunday, Apr 11, 2010
Stunner:'How To Train Your Dragon' drops only 12.6% -
First Take: 'Harry Potter and the Deathly Hallows, Pt. 1'
Type: Post | Date: Thursday, Nov 11, 2010
Some thoughts on the latest 'Potter' from London -
Sneak Peek: 'Voyage of the Dawn Treader' sets sail for redemption
Type: Post | Date: Wednesday, Sep 29, 2010
'Narnia' franchise has a new home and audience perspective


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By finding common ground and shared incentives, the European Commission and China are working together to improve industrial efficiency. Having already agreed on numerous cooperation themes, this collaboration will increase market access and decrease greenhouse gases.
The European Commission and China are cooperating to move towards a low-carbon and resource-efficient economy. As part of the process, a specific working group was established in 2010 to improve industrial energy efficiency and to reduce greenhouse gas emissions. The three main areas of collaboration are: sector-based energy efficiency actions in industry, product policy (notably eco-design) and a sustainable industrial policy. The main objectives are levelling the playing field for energy-intensive industries and promoting fair and reciprocal market access for energy efficiency-related products. The global market for environmental goods and services is estimated to be around €1 000 billion per annum – and this is expected to double or even triple by 2020.
In October 2012, the third meeting of the 'Industrial Energy Efficiency & Greenhouse Gas Emission Reduction' Working Group was held in China. During the plenary session, which was chaired by Vice-Minister of the Chinese Ministry for Industry and Information Technology (MIIT) and Director-General Daniel Calleja of the EC's Directorate General for Enterprise and Industry, the Working Group detailed potential collaboration agreement areas. These areas included:
MIIT will also advance a proposal for collaboration on 'EU-China Green Business Development', initial elements of which were presented during the meeting. Both sides agreed that in 2013, the scope and depth of discussions would intensify on all three areas of collaboration.
European Commission Vice President Antonio Tajani, responsible for industry and entrepreneurship, welcomed this cooperation: 'We wish to enable European enterprises, in particular SMEs, to tap the huge potential of energy-efficient products. We still have some work ahead to realise the market's full potential, but our cooperation in this field is a first important step to help both EU and Chinese enterprises. It is vital that Europe quickly moves on from the current crisis and that we explore all options to return Europe to growth'.
For more information on the European Commission and China, please visit:


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Return To Forever, led by pianist Chick Corea, was founded in the 1970s and remains one of the core groups to be involved in the jazz-fusion movement. Many notable musicians including Stanley Clarke, Flora Purim and Al Di Meola got their first breaks through their performances on Return to Forever's albums. After a hiatus from the music world, the classic Return to Forever lineup reunited in 2008 to recreate the music they all love. The band embarked on its current tour in February 2011, with tour dates extending through October 2011.
Rogers, who had previously used various digital consoles, chose the Vi6 for its crystal clear and warm feel. "It's absolutely beautiful!" Rogers stated. "It's by far the best digital console on the market."
Where the biggest complaint of any digital board is that it doesn't have the comfort and intuitive operation of an analog console, Rogers believes the Soundcraft Vi6 is as close as it gets, and all the digital aspects make it the easiest board to use. "It's amazing to have everything fully recallable," Rogers said. "I can save settings on different pages and trust they'll be there when I switch back. I save anything from cues, reverbs, gates, it goes on and on and I still love learning new tricks every day."
The desk is so easy to manage and learn on that in a desperate time of need, the monitor team was able to record using the Vi6 and the MADI interface.
The plugins, although Rogers doesn't use them excessively, are nice to have when needed. "Using the plugins is a breeze. It's amazing how many different sounds you can get out of the console."
One of Rogers' favorite aspects of the desk is the ability to layer the pages according to what is most used for a particular show. For a group with such a dynamic style as Return to Forever, this makes Rogers' day-to-day work much easier. "Out of the box the Vi6 is already amazing and there is so much you can add to it," Rogers added. "The whole desk is easy to navigate through and label, I never have to worry about locating anything."
Overall, the Vi6 gives Rogers the flexibility and confidence to do his job every night without worrying about any surprises from the technology. "Other than 'great job Soundcraft' there isn't much more to say. I love it," he summed up.
For more information, please visit: http://travisrogersmusic.com/About_Me.html
HARMAN (www.harman.com) designs, manufactures and markets a wide range of audio and infotainment solutions for the automotive, consumer and professional markets - supported by 15 leading brands, including AKG, Harman Kardon, Infinity, JBL, Lexicon and Mark Levinson. The Company is admired by audiophiles across multiple generations and supports leading professional entertainers and the venues where they perform. More than 25 million automobiles on the road today are equipped with HARMAN audio and infotainment systems. HARMAN has a workforce of about 13,000 people across the Americas, Europe and Asia, and reported net sales of $4.2 billion for twelve months ending December 31, 2011.


text: Though Tibet tourism is developing rapidly and the international standard Tibet hotels like Saint Regis and Sheraton by Four Points now available in Lhasa, but in the small towns and remote area there is only limit choices are available. In smaller towns you may be limited to rooms with a shared bathroom, while in the remote areas electricity and shower are luxuries that cannot be relied on. But we always trying our best to arrange the most clean and safe accommodations by rating feedbacks from our past clients who had stayed.


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A severe allergic reaction is called an anaphylactic reaction. It is an immediate, severe reaction to a bee sting, drug, food, or other item. The symptoms begin within 30 to 60 minutes and are:
Call the rescue squad (911) if your child is having trouble breathing, trouble swallowing or any other serious symptoms. Have your child lie down with the feet elevated to prevent shock. If your child stops breathing, start CPR.
If you have an emergency kit with epinephrine (such as EpiPen), give a shot of it to your child immediately. It can save your child's life. Inject it into the muscle layer of the outer part of the upper thigh.
Don't hesitate to give epinephrine. If there is any possibility your child is having symptoms of an anaphylactic reaction, give the epinephrine immediately. In addition, if your child had a life-threatening reaction in the past and now has been re-exposed to the same allergic substance (for example, peanuts, or bee sting), give the epinephrine BEFORE your child develops symptoms. Epinephrine will not hurt your child even if he is not having an allergic reaction and it could save his or her life.
If you have Benadryl at home, give it. If not, check if you have another antihistamine or cold medicine that has any antihistamine in it. If you do, give one dose immediately after calling 911 in addition to the shot of epinephrine.
If a bee stinger is left in the skin, remove it. Do this by scraping the stinger off with a knife blade or credit card rather than by squeezing it.
The only way to prevent a reaction is to AVOID contact with the food, drug, or other item causing the problem. It is very important to learn to read food labels.
All children with anaphylactic reactions need to be evaluated later by an allergist. For bee sting reactions, desensitization is helpful. Since the reactions can be fatal, you should keep emergency kits containing epinephrine at home, school, and in a backpack (or fanny pack). You will need a prescription. The allergist or your child's usual healthcare provider may prescribe epinephrine. In case of a severe reaction, epinephrine is needed immediately.
Educate others about your child's allergy (what your child needs to avoid, the symptoms of a reaction, and what to do if the child has a reaction). Tell all pharmacists, healthcare providers, and dentists who treat your child about any allergies he has. Some medicines contain ingredients that may cause an allergic reaction.
Also, your child should have a medical ID necklace or bracelet that tells the insect, drug, or food allergy. Some ID necklaces and bracelets can be found in pharmacies.
This content is reviewed periodically and is subject to change as new health information becomes available. The information is intended to inform and educate and is not a replacement for medical evaluation, advice, diagnosis or treatment by a health care professional.
Appointment information
Your primary care provider must refer you for treatment in the Dermatology Clinic. If you do not have a primary care provider, contact Children's Mercy Pediatric Care Clinic or Teen Clinic for an appointment.
Pediatric Care Clinic: (816) 960-3080Teen Clinic: (816) 960-3050Vascular Anomalies Specialty Center Referral/Information Line: (816) 234-3600
Appointments for the Laser Clinic and most of the dermatology specialty clinics are made after an initial appointment with a dermatologist.
Yellow Clinic: (816) 960-3080Purple Clinic: (816) 960-3090Green Clinic: (816) 960-3060Orange Clinic: (816) 960-3070
Nurse Advice: (816) 234-3188Children's Mercy West: (913) 233-4400Children's Mercy Hospital: (816) 960-3080
Copyright © 1996-2015 The Children's Mercy Hospital


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Troy Tulowitzki left last night's game against the Astros after suffering a strained left groin in the sixth inning. He apparently did it while running to first on a ground ball. The lesson here, kids: never run out ground balls. It's totally bad for you.
- casey5jones - May 31, 2012 at 9:51 AM
That's too bad. This probably goes back to when he got hit by a foul ball in the dugout; trying not to put too much pressure on his leg he ended up straining his groin.
- jwbiii - May 31, 2012 at 1:37 PM
The Rockies recalled Carlos Torres a day after optioning him. Somebody has to go on the DL.
- charlutes - May 31, 2012 at 2:29 PM
I like this blog but does every news story have to come with some lame campy joke. Just pick your spots a bit, it gets tiresome reading one liners with every meaningful paragraph.


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"This is the living room in my apartment - my roommates are away, and I only use the space to store my bike (I will be leaving through your door, but that is all). There is one bathroom and a kitchen, in which you are welcome to cook."
"Built in 1899 as a carriage house, 1336 Dean St is a landmarked building on a gorgeous brownstone block in Crown Heights, Brooklyn. The home has been fully renovated top to bottom into a modern apartment offering a totally unique living experience. "
"Modern studio in 19th c. limestone building on tree-lined street in Crown Heights, Brooklyn. It boasts original fireplace details, parquet floors, private entrance and modern bathroom. Near to restaurants, museums, parks and all major transportation."
"It's a beautiful day in Brooklyn!! This lovely 7 bed home is a true Brooklyn experience! Located in vibrant BedStuy on the border of Williamsburg. Metro on the next block gives you easy access to Manhattan, Brooklyn Bridge and JFK airport."
"It's actually a studio with your own access and bathroom,but no kitchen. You will still be able to make a coffee though! 10 mins to Williamsburg and 20minutes to Manhattan!"
"One spacious bedroom in a gorgeous Williamsburg apt with breathtaking views of the Manhattan skyline. Your draw will drop when you see it. Brand new building. Two private balconies. 100 feet from subway. Free street parking. Central location."
"My place is a quiet and comfortable Suite designed to make you feel at home. The entire apartment is yours for the stay, and is located on the first level. So come and enjoy! My beautiful brownstone."
"Private bedroom with queen and optional twin bed to sleep 3 comfortably. This landmarked 1914 Tudor townhouse is located in the Lefferts Manor Historic District of Brooklyn's Prospect Lefferts Gardens, 3 blocks from beautiful Prospect Park. Convenient access to/from JFK."
" 600 Sq f HUGE room, the size of a studio, with it's own bathroom, 42 inch flatscreen TV, Wifi, Coffee Machine. Breakfast available at additional cost on weekends. Separate entrance in a Brownstone Duplex, total privacy. 2 Blocks from the subway!!! "
"A great room in a quiet apartment that is close to two major train lines to Manhattan. Fast wifi is included."
"Private & Luxurious 3 Bedroom Bed-Stuy Apt., without any sharing, Features Free Laundry Service, Large Windows, Hardwood Floors, Cable & Wi-Fi. Comfortably fits 5 and is walking distance to bars & restaurants that have made Bed-Stuy a must visit. "
"Our classic Brooklyn row house with vintage furnishings, exposed brick, and huge backyard offers an authentic NYC experience! Conveniently located mere blocks from subway and buses, a short walk to restaurants, cafes, Museum, Botanic Garden, Library, Prospect Park and more! One express stop to Atlantic Terminal, BAM and Barclay's Center!"
"Garden level room w/ private bathroom. Aprx 20 min to Manhattan. Use either A or C train. Near-Barclay Center, Botanical Garden, Brooklyn & Children's Museum, Prospect Park, & Atlantic Center Mall. Lots of cool shopping and restaurants in the area."
"Cozy studio apartment in Clinton Hill, Brooklyn. 5 blocks from C and G trains; 20 minutes to the city by train. Great access to quaint surrounding neighborhoods, restaurants and bars."
"Join the Brooklyn Art scene with gourmet restaurants, shops, art studios and a spectacular multicultural experience."
"For solo NYC travelers here for work or vacation & want a comfortable spot to sleep, this is a single bed facing west. Lots of nearby cafes, shops, restaurants & subway lines. Make your breakfast in kitchen, enjoy our garden & WiFi to plan your day!"
"this apartment is located in Williamsburg, one of the most beautiful area of NYC, colse to the J-M-Z subway stops to get you enywhere in the city. "
"Private terrace, cushy bedroom and rooftop access. One guest can take the couch. All boroughs are easy to access. Bike or train to Rockaway beach, explore Prospect Park, and late night shows in W'burg! One transfer on the G and your in Manhattan. "


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Situated in the town of Barrhead, on the edge of the Gleniffer Braes, Dalmeny Park Country House Hotel and Gardens is 10 miles southwest of Glasgow. The mansion offers a bistro restaurant and beautiful gardens. This country house is set within 3 acres of grounds in a quiet residential area and offers elegant décor throughout. The rooms at Dalmeny Park feature free Wi-Fi and en suite bathrooms with complimentary toiletries and a hairdryer. In the mornings, the hotel offers a choice of continental or full Scottish breakfast. The Tudor Gallery Bistro serves candlelit meals from the à la carte menu. During the summer months, meals can be enjoyed in the mansion's romantic gardens. The gardens are also suitable for wedding ceremonies and functions, and the house's grounds offer ample car parking. The town of Barrhead is located in East Renfrewshire, just a 17-minute drive of Glasgow International Airport.


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thanks man
thanks for the compliment buddy!
thanks :o)
thanks :)
...til touchdown brings me round again to find…
Hey there buddy! Can you check out my design with the robber holding bananas!? Its called, "Wheres The Loot" I think you'll love it! Check it out, and vote if you can, I'll return the favor if you leave a comment for me Thanks so much! Lone1 :)
J'aime bien la répétition dans tes designs… Ça met la psychose qui s'en dégage bien en évidence. Belle job!
Happy Lunar New Year to my fellow creative human. I hope the year of the Ox brings you strength, and new found creativity to share with us all. I have a new design posted called Red Bonzai Sea, take a look hope you enjoy. Best wishes, Artist Unite in 2009.
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Released: Feb 01st, 1996
Running Time: 79
Director: Michael Zen
Company: Caballero
Jessica James, Jake Steed, J.R. Carrington, Tony Tedeschi, Taboo, Rachel Love
Critical Rating: AA 1/2
Genre: Feature
Mocha-complexioned Taboo plays a DJ whose listeners indulge their wildest fantasies under the full moon. Bountiful blondes J.R. Carrington and Rachel Love share an anal-indulgent lesbian interlude before Tony Tedeschi stuffs his meat up J.R.'s quivering butthole, and Jake Steed plows Taboo in a shadow-bathed mish. Each scene is punctuated by recurring shots of a full (astral) moon. More mundane than mad, though.


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Giving Content to Investor Sentiment: The Role of Media in the Stock MarketPaul C. TetlockColumbia Business School - Finance and Economics Journal of Finance, Forthcoming Abstract: I quantitatively measure the nature of the media's interactions with the stock market using daily content from a popular Wall Street Journal column. I find that high media pessimism predicts downward pressure on market prices followed by a reversion to fundamentals, and unusually high or low pessimism predicts high market trading volume. These results and others are consistent with theoretical models of noise and liquidity traders. However, the evidence is inconsistent with theories of media content as a proxy for new information about fundamental asset values, as a proxy for market volatility, or as a sideshow with no relationship to asset markets. Number of Pages in PDF File: 51 Keywords: Investor sentiment, financial news media, content analysis, efficient markets JEL Classification: G12, G14 Date posted: March 21, 2005Suggested CitationContact Information
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- Northern New York Newspapers
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SYRACUSE — A Lewis County native died Tuesday following a fight with his boyfriend, who was charged with manslaughter in the incident.
Dale C. Schantz, 36, formerly of Naumburg, was found late Tuesday at his Sedgwick residence in cardiac arrest, and he was taken to St. Joseph's Hospital, where he was pronounced dead a short time later, according to the Syracuse Post Standard.
His boyfriend, David Davis, 30, who left the scene following the alleged fight, was charged with second-degree manslaughter after police got witness accounts of the alleged fight and a preliminary autopsy report ruled the death a homicide, the newspaper reported. Police said the altercation contributed to the death.
Mr. Schantz, the son of Thomas and Catherine Roy Schantz, Naumburg, was a graduate of Beaver River Central School, Beaver Falls. He was currently employed as a floor specialist at Lowe's Home Improvement Store.
Calling hours will be held from 2 to 4 and 7 to 9 p.m. Friday at the Sundquist Funeral Home, Lowville.
A graveside service will be at 11 a.m. Saturday at the Naumburg Union Cemetery.